White Lace Pencil Skirt Cold Weather Outfits In Their 20s

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Beige Turtleneck White Lace Pencil Skirt Brown Leather Pumps Black Wool Tights Burgundy Suede Crossbody Bag Navy Coat

This combination of a navy coat and a white lace pencil skirt is an interesting balance between chic and laid-back. As for footwear, complement your ensemble with brown leather pumps.